Your insurance, simplified — with Howard Benefits LLC

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Howard Benefits LLC, ("we," "us," or "our") is committed to protecting the privacy and security of your personal information. This Privacy Policy describes how we collect, use, and share your information when you use our services (the "Service").

By accessing or using the Service, you agree to the terms of this Privacy Policy. If you do not agree with the practices described in this policy, please do not use the Service.

1. Information We Collect
We may collect and process the following types of information:

Personal Information: When you use our Service, we may collect personal information, such as your name, email address, postal address, and phone number.

Log Data: We may collect information that your browser or device sends whenever you visit our Service. This may include your IP address, browser type and settings, the date and time of your request, and how you interact with the Service.

Cookies: We use cookies and similar tracking technologies to track the activity on our Service and hold certain information.

2. How We Use Your Information
We may use the information collected for various purposes, including:

• To provide and maintain our Service.
• To notify you about changes to our Service.
• To provide customer support.
• To gather analysis or valuable information so that we can improve our Service.
• To monitor the usage of our Service.

3. Information Sharing and Disclosure
We do not sell, trade, or otherwise transfer your personal information, including phone number, to any third parties.

4. Data Security
We implement reasonable security measures to protect against unauthorized access, alteration, disclosure, or destruction of your personal information.

5. Changes to this Privacy Policy
We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page.

6. Contact Us
If you have any questions or concerns about this Privacy Policy, please contact us at Nyehl@howard-benefits-llc.biz.

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Welcome to Howard Benefits LLC (the "Service," "we," "us," or "our"). By accessing or using the Service, you agree to comply with and be bound by these Terms and Conditions. If you do not agree with these terms, please do not use the Service.

1. Use of the Service
1.1 Eligibility: You must be at least 18 years old to use the Service. By using the Service, you represent and warrant that you meet the eligibility requirements.
1.2 Account: You may be required to create an account to access certain features of the Service. You are responsible for maintaining the confidentiality of your account and password and for restricting access to your account. You agree to accept responsibility for all activities that occur under your account.

2. User Content
2.1 Submission: You may have the opportunity to submit content, including but not limited to text, images, and other materials ("User Content"). By submitting User Content, you grant us a non-exclusive, worldwide, royalty-free, irrevocable, sub-licensable license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content.
2.2 Responsibility: You are solely responsible for the accuracy, legality, and appropriateness of User Content. We reserve the right to remove any User Content that violates these Terms and Conditions or is otherwise objectionable.

3. Intellectual Property
3.1 Ownership: The Service and its original content, features, and functionality are owned by Howard Benefits LLC and are protected by international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.
3.2 License: Subject to these Terms and Conditions, we grant you a limited, non-exclusive, non- transferable, and revocable license to use the Service for your personal or internal business purposes.

4. Limitation of Liability
4.1 Disclaimer: The Service is provided "as is" and "as available" without any warranties, expressed or implied. We do not warrant that the Service will be error-free or uninterrupted, that defects will be corrected, or that the Service is free of viruses or other harmful components.
4.2 Limitation of Liability: In no event shall Howard Benefits LLC be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from (a) your use or inability to use the Service; (b) any unauthorized access to or use of our servers and/or any personal information stored therein.

5. Governing Law
These Terms and Conditions shall be governed by and construed in accordance with the laws of The United States of America, without regard to its conflict of law principles.

6. Changes to Terms and Conditions
We reserve the right to update or change these Terms and Conditions at any time. Your continued use of the Service after we post any modifications to the Terms and Conditions on this page will constitute your acknowledgment of the modifications and your consent to abide and be bound by the modified Terms and Conditions.

7. Contact Us
If you have any questions about these Terms and Conditions, please contact us at Nyehl@howard-benefits-llc.biz.